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County7th of 58 in California by approvalsFIPS 06085
SBA loans in Santa Clara County, California
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 1,593 loans to businesses in Santa Clara County, California, in FY2021 to FY2025, worth $1.35bn: 1,294 under 7(a) and 299 under 504.
That is 32.4 approvals per 1,000 business establishments (49,154 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 7th of 58 California counties with approvals. In FY2025 there were 430, up 17% on FY2024.
126 lenders had approvals here; the most active were U.S. Bank, National Association (164), Mortgage Capital Development Corporation (124) and Wells Fargo Bank National Association (78). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Santa Clara County
By number of approvals to businesses in the county, FY2021–FY2025; 126 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 164 | $70.6M | 10.3% | |
| 2 | Mortgage Capital Development CorporationOakland, CA · CDC | 124 | $215M | 7.8% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 78 | $49.6M | 4.9% | |
| 4 | The Huntington National BankColumbus, OH | 70 | $22.9M | 4.4% | |
| 5 | Capital Access Group, Inc.San Francisco, CA · CDC | 69 | $97.1M | 4.3% | |
| 6 | Northeast BankLewiston, ME | 68 | $13.0M | 4.3% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 67 | $35.1M | 4.2% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 60 | $16.8M | 3.8% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 55 | $85.0M | 3.5% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 44 | $8.1M | 2.8% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 43 | $13.2M | 2.7% | |
| 12 | Bay Area Employment Development CompanyConcord, CA · CDC | 39 | $50.8M | 2.4% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 38 | $13.7M | 2.4% | |
| 14 | Lendistry SBLC, LLCLos Angeles, CA | 38 | $13.0M | 2.4% | |
| 15 | BMO Bank National AssociationChicago, IL | 33 | $42.0M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 146 | 9.2% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 67 | 4.2% | |
| 3 | Computer Systems Design and Related ServicesNAICS 5415 | 55 | 3.5% | |
| 4 | Personal Care ServicesNAICS 8121 | 55 | 3.5% | |
| 5 | Residential Building ConstructionNAICS 2361 | 52 | 3.3% | |
| 6 | Offices of DentistsNAICS 6212 | 48 | 3.0% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 48 | 3.0% | |
| 8 | Child Day Care ServicesNAICS 6244 | 41 | 2.6% | |
| 9 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 40 | 2.5% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 38 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 229 | 14.4% | |
| 2 | Construction | 211 | 13.2% | |
| 3 | Health Care and Social Assistance | 204 | 12.8% | |
| 4 | Accommodation and Food Services | 174 | 10.9% | |
| 5 | Retail Trade | 169 | 10.6% | |
| 6 | Manufacturing | 145 | 9.1% | |
| 7 | Other Services (except Public Administration) | 129 | 8.1% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 69 | 4.3% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 176 | $93.2M | $208K | 36 | $54.2M | 212 | 2,638 |
| FY2025 | 384 | $188M | $200K | 46 | $67.5M | 430 | 4,767 |
| FY2024 | 314 | $165M | $200K | 54 | $87.2M | 368 | 4,975 |
| FY2023 | 229 | $180M | $350K | 34 | $49.0M | 263 | 4,066 |
| FY2022 | 156 | $134M | $392K | 84 | $137M | 240 | 2,885 |
| FY2021 | 211 | $222M | $560K | 81 | $117M | 292 | 3,295 |
| FY2020 | 196 | $109M | $225K | 50 | $57.0M | 246 | 2,382 |
| FY2019 | 213 | $122M | $250K | 54 | $63.9M | 267 | 2,609 |
| FY2018 | 266 | $134M | $255K | 44 | $52.9M | 310 | 3,589 |
| FY2017 | 290 | $169M | $255K | 50 | $58.9M | 340 | 4,274 |
| FY2016 | 315 | $149M | $150K | 70 | $81.8M | 385 | 4,599 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,548 approvals.
Against California and the country
| FY2021–FY2025 | Santa Clara County | California | United States |
|---|---|---|---|
| Approvals | 1,593 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 32.4 | 40.8 | 41.0 |
| Median 7(a) approval | $314K | $250K | $190K |
| Median 504 approval | $1.2M | $884K | $657K |
| Average approval | $845K | $733K | $573K |
| 504 share of approvals | 18.8% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 12.5 | 11.0 | 10.5 |
| Share of state approvals | 3.8% | 100.0% | — |
Approval sizes
- $50,000 or less14.1%224
- $50,001 to $150,00016.8%268
- $150,001 to $350,00014.8%236
- $350,001 to $1 million27.0%430
- $1 million to $2 million14.6%232
- Over $2 million12.7%203
Age of the businesses
- Existing, more than 2 years old68.5%1,092
- New business, 2 years or less12.9%205
- Startup, loan funds will open the business8.9%141
- Change of ownership9.6%153
- Not answered0.1%2
Questions and answers
Which lenders make the most SBA loans in Santa Clara County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (164), Mortgage Capital Development Corporation (124), Wells Fargo Bank National Association (78), The Huntington National Bank (70), Capital Access Group, Inc. (69). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Santa Clara County?
The median 7(a) approval was $314K and the median 504 approval $1.2M; the California 7(a) median was $250K.
Which industries get the most SBA loans in Santa Clara County?
Restaurants and Other Eating Places (146); Building Equipment Contractors (67); Computer Systems Design and Related Services (55); Personal Care Services (55); Residential Building Construction (52).
Is SBA lending in Santa Clara County rising?
Approvals in the three latest complete fiscal years total 1,061, against 778 in the three before: rising (+36%).
How does Santa Clara County compare with the rest of California?
32.4 approvals per 1,000 establishments against 40.8 statewide, and 1,593 of the state's 42,016 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error